Cheap Car Insurance in Missouri
It is mandatory to get car insurance in Missouri for drivers to drive legally in the state. Different companies in Missouri provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Missouri:
| Name of the Company | Average annual car insurance premiums |
| The Hartford | $806 |
| Travelers | $1024 |
| Allied | $1052 |
| MO Farm Bureau | $1195 |
| USAA | $1240 |
| Nationwide | $1495 |
| State Farm | $1572 |
| Electric | $1755 |
| Progressive | $1925 |
| Cameron | $1925 |
| Columbia Insurance | $1935 |
| Shelter | $1993 |
| Encompass | $2006 |
| GEICO | $2078 |
| American Family | $2097 |
| Allstate | $2243 |
| Automobile Club of Missouri | $2435 |
| Metropolitan | $2496 |
| Farmers | $2588 |
| Safe Auto | $2592 |
| Safeco | $2749 |
Cheap car insurance in Missouri for good drivers
Car insurance companies may charge high car insurance premiums from drivers in Missouri with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Missouri provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Missouri by maintaining a good driving record. Most auto insurance companies in Missouri provide a 5-10% good driver discount to those having a good driving history without violations.
- Drivers with no traffic ticket may save $318 on car insurance premiums in Missouri.
- Drivers may save $553 on car insurance premiums if they have an accident-free record in Missouri.
- By maintaining a good credit history you may save $1593 on car insurance premiums in Missouri.
Cheap car insurance for inexperienced drivers in Missouri
Most auto insurance providers may charge high auto insurance premiums in Missouri from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers. Auto insurance premiums in Missouri vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Missouri.
| Age | Average annual auto insurance premiums with parents | Average annual auto insurance premiums for young drivers alone |
| 16 | $5017 | $6890 |
| 17 | $4813 | $5293 |
| 18 | $4893 | $4560 |
| 19 | $4181 | $3177 |
Affordable auto insurance in Missouri for high-risk drivers
Car insurance companies in Missouri charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Missouri can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Missouri may get discounts on car insurance policies.
| Rating factor | Average annual car insurance premium |
| At-Fault Accident | $1868 |
| DUI | $1825 |
| Speeding Violation | $1633 |
| Bad Credit | $2907 |
Best car insurance companies in Missouri
Car insurance prices in Missouri may vary from company to company. Some companies in Missouri charge lower car insurance premiums than others. To get the best auto insurance policy in Missouri you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Missouri by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Missouri:
- 21st Century
- Allied
- Allstate
- Cameron Mutual
- Electric
- Farmers
- GEICO
- MetLife
- Nationwide
- Progressive
- Shelter
- State Farm
- The Hartford
- Travelers
- USAA
What auto insurance coverage is mandatory to purchase for drivers in Missouri?
The average annual cost to get the minimum required coverage in Missouri may be around $525. The minimum required coverage for drivers in Missouri to drive legally in the state is:
| Coverage type | Coverage limit |
| Bodily injury coverage per person | $25000 |
| Bodily injury per accident | $50000 |
| Property damage per accident | $10000 |
The state minimum auto insurance requirements in Missouri
The state minimum auto insurance coverage requirement in Missouri is liability coverage.
- $25000 bodily injury coverage per person is required in Missouri.
- $50000 bodily injury coverage per accident is required in Missouri.
- $10000 property damage coverage per accident is required in Missouri.
Other types of optional coverages in Missouri are:
- Comprehensive
- Collision
- Roadside Assistance
- Loan/Lease Payoff
- Rental Car Reimbursement
- Uninsured/Underinsured Motorist Bodily Injury
- Uninsured Motorist Property Damage
- Medical and Funeral Services
Fine for driving without car insurance in Missouri
If anyone caught driving without a car insurance policy in Missouri then police may charge a fine or suspend driver’s license.
Car insurance prices by cities in Missouri
Car insurance premiums in Missouri may vary from city to city. In some cities of Missouri, car insurance prices are high compared to others.
| City | Average annual insurance premiums |
| Saint Louis | $2545 |
| Florissant | $2068 |
| University City | $2020 |
| Mehlville | $2012 |
| Kansas City | $1997 |
| Independence | $1873 |
| Chesterfield | $1868 |
| Wildwood | $1867 |
| Ballwin | $1844 |
| Liberty | $1760 |
| Lee’s Summit | $1756 |
| Blue Springs | $1720 |
| Springfield | $1672 |
| Cape Girardeau | $1663 |
| Columbia | $1656 |
| Jefferson City | $1512 |
If you are looking for a car insurance deal in Missouri, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.
